ppi question on storecards, newbie!!

[delinquentwoody]

Hi,

 

OK Forgive me if the questions I am asking are a bit simplistic but I don't know much about the topic of PPI at all.

 

My girlfriend had two storecards for a couple of years, which she took out around 3 years ago, which she paid account cover (ppi?) on these, she never asked to be signed up to this on either of them.

 

The amount she paid was small, but can this be claimed back with interest, and does it matter if she was a bit behind on her payments to them at the time? She has been told that because she missed a few payments that she can't claim it back. She was told this when she rang one of those claims management companies up that come on daytime TV. (NB both cards are now paid off in full).

 

I do not have the paperwork or account numbers for these cards anymore but I'm aware that I can do a request to the companies if I put it in writing to get all the statements etc.

 

Now forgive me, I know this is basic stuff I'm asking but I have no knowledge of this yet, and any help to get me started would be appreciated. I know I don't want to go through a claims management company as their fees are expensive and I would rather do things myself.

 

Thanking you in anticipation

[ims21]

Hi

 

Yep, you're right not to use a CMC.

 

You can reclaim this mis-sold PPI....it seems it was put on the accounts without the customer's knowledge.

 

First thing is to get the statements so a SAR is in order....template in the CAG library, the link to which is at the top of every CAG page in green.

 

Also visit the fos website and download a copy of the consumer questionnaire ready for completion.

 

Who is/are the lenders?

 

ims

[delinquentwoody]

Thanks for the quick response! I will send off for the SARS tomorrow.

 

The two storecards were for Dorothy Perkins (from GE Money I think it was, or it may have changed to Santander), and Ann Summers (Creation Finance). I'll have to google for addresses.

 

I will keep you updated on progress.